Updated September 29, 2026 · SumCue Editorial Team

Top credit and debit cards compared

1594 providers, ranked on the terms we checked.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top credit and debit cards compared
OrderProviderScoreFeaturesKey factsActions
491
Greenlight logo
GreenlightPartner

Money-back guarantee: Love it or it's on us

9.0/10
    Monthly fee:
    $5.99 to $19.98
    Currency conversion fee:
    0%
    Card type:
    Prepaid
    ReviewCompareSee alternatives
    492
    FinanZero logo
    FinanZeroPartner
    9.0/10
    • No annual fee
    • Business
    Annual fee:
    R$0
    APR:
    1.49% to 18.01%
    Credit needed:
    Poor
    ReviewCompareSee alternatives
    493
    Hawaiian AirlinesPartner

    Up to 70,000 bonus Atmos Rewards points on the Hawaiian Airlines Bank of Hawaii World Elite Mastercard: 60,000 points after $1,000 spend in the first 90 days plus 10,000 points after $2,000 total spend in the first 180 days

    9.0/10
    • Rewards
    Annual fee:
    $99
    Rewards type:
    Points
    Rewards rate:
    3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases, 2x on gas, dining and grocery store purchases, 1x on all other purchases
    ReviewCompareSee alternatives
    494
    HDFC Bank logo
    HDFC BankPartner

    SBM World Debit Card welcome benefits: more than INR 10,000 worth of benefits for select brands

    9.0/10
    • No annual fee
    • Travel
    Annual fee:
    ₹0
    APR:
    42%
    Currency conversion fee:
    0%
    ReviewCompareSee alternatives
    495
    First BoulevardPartner
    9.0/10
      Monthly fee:
      $0
      Card type:
      Debit
      Cashback rate:
      15%
      ReviewCompareSee alternatives
      496
      HSBC Platinum logo
      HSBC PlatinumPartner

      HSBC Premier credit card 50k welcome bonus: 50,000 bonus points (worth up to $625 in travel)

      9.0/10
      • Rewards
      Annual fee:
      $95
      APR:
      19.99% to 24.99%
      Currency conversion fee:
      0%
      ReviewCompareSee alternatives
      497
      FriMiPartner
      9.0/10
      • No monthly fee
      Monthly fee:
      LKR 0
      Card type:
      Debit
      Card network:
      Mastercard
      ReviewCompareSee alternatives
      498
      iMoney logo
      iMoneyPartner

      30% Cashback on profit (Alliance Bank CashFirst Personal Loan): 30% cashback on profit

      9.0/10
      • Fixed rate
      • Business
      Annual fee:
      MYR 0
      APR:
      4.99% to 16.68%
      Rewards type:
      None
      ReviewCompareSee alternatives
      499
      GBTI logo
      GBTIPartner
      9.0/10
        APR:
        8% to 14%
        Legal entity:
        Guyana Bank for Trade and Industry Limited
        Headquarters:
        Guyana
        ReviewCompareSee alternatives
        500
        Krungthai Bank logo
        Krungthai BankPartner

        Krungthai Travel Mastercard Debit cardholders receive 600 baht cashback when spending in China in Chinese yuan: 600 THB cashback

        9.0/10
        • Travel
        Currency conversion fee:
        0%
        Legal entity:
        Krungthai Bank PCL
        Headquarters:
        Thailand
        ReviewCompareSee alternatives

        About Top credit and debit cards compared

        This ranking covers credit and debit cards from 1,573 brands, ordered for readers who weigh costs, the safety of the money and how the account behaves day to day. The order is not a league table of plastic. Some names here are cards you spend from, some exist to build a credit file from almost nothing, and others lend money quickly, so the first question is what the account is actually for. Costs arrive in layers: an annual fee, a rate on borrowed money, and a charge every time you spend in another currency. The typical annual fee across this list is €0, so the yearly charge rarely decides it, while conversion and the rate after an interest free offer are where money goes missing. By the middle of this group foreign exchange costs 1%, and several cards convert for nothing at all. Credit history narrows the field more than price does: 56.2% of the cards here want good credit, against 21.3% that work with poor credit. Support counts too, because a card is only as useful as the help when a payment is blocked.

        How we picked

        Every card here is scored on three things, weighted for readers who care about costs, the safety of the money and how the account works. Trust carries the most weight at 40%, cost comes next at 35%, and the offer itself sits at 25%. The score combines what each provider publishes about fees, rates, credit checks, protection features, support channels and the account tools inside the app. Figures come from plan pages, pricing pages, product terms, help centres and perk lists, so an annual fee is taken from the plan that carries it and a rate is taken from the product page that states it. Where a card has more than one plan, the fee is described with the plan it applies to. Partners are listed first in the order the score gives them, and everything else follows by score alone. Cards that only lend money sit in the same ranking as spending cards because readers ask both questions at once, and each write-up says which is which rather than blurring the difference. Where a card earns nothing back, that comes from its rewards listing rather than an assumption.

        How we rank

        What to look for

        The annual fee
        Most cards in this group charge €0 a year, and the lower quartile sits at €0, so the yearly charge rarely decides it. The upper quartile sits at €8.59 and the top of the range reaches €570.03, which is where premium travel and metal cards sit.
        What conversion costs
        Foreign exchange is where everyday spending quietly costs extra. The middle of this group charges 1% to convert, the upper quartile 2.5%, and a good share of cards charge 0%. If you travel or buy in another currency, this line matters more than the yearly fee.
        The rate on borrowed money
        A balance left uncleared or a purchase you do not clear is billed at the card rate, and the middle of this group sits at 14.45% with the upper quartile at 22.8%. Cards built for thin credit files often sit at 0% with a low spending limit instead of a competitive rate.
        Who can actually get one
        Credit checks decide more than fees do. Cards wanting good credit make up 56.2% of this group, while only 21.3% will work with a poor credit history. A soft prequalification before a full check is offered by 14.9% of them.
        Getting help when a payment goes wrong
        A blocked payment at short notice needs a person rather than a form. Phone support appears on 76.5% of these cards, a help centre on 72.8%, and live chat on 33.5%. An email address alone leaves you waiting at the worst moment.
        What the card pays back
        Cashback is the most common reward structure in this group at 45.8%, with 28.2% paying nothing back at all. Read what any rate depends on, such as a subscription tier or a qualifying deposit, before treating it as income.

        Frequently asked questions

        Which card in this list offers a balance transfer?+

        The Virgin Atlantic Reward Credit Card is the one built around it, with an interest free window of 21 on balance transfers and on purchases, plus a money transfer option. The balance transfer fee is 2.95%, and anything left after the window is billed at 27.9%. The card is issued by Nationwide Building Society, trading as Virgin Money.

        Are there cards here with no annual fee?+

        Plenty. bunq charges €0 on its personal plans, Wise £0, Starling's personal account £0, Chime $0, both Varo cards and Crezu ES €0. That makes the annual fee a poor way to separate these cards. Conversion costs, the rate after an interest free offer and whether a security deposit is needed are the lines worth reading instead.

        Which cards here work with poor credit?+

        The Varo Believe Secured Credit Card and Chime both list poor as the credit level they work with, as do Creditilia and Crezu ES. The Varo cards and Chime need no credit check to apply, and a Varo cardholder sets the spending limit with no minimum security deposit. Creditilia and Crezu ES lend money instead, at rates of 4% to 289% and 0% to 36% on what you borrow.

        Which card here is cheapest for spending abroad?+

        Several convert for nothing: Starling's personal account lists 0%, the Virgin Atlantic card 0%, Chime and both Varo cards the same. Wise takes 0.1% on conversion, and bunq charges fees of 0.5% to 3%, so for regular foreign spending the cards that convert at no charge are ahead on that point alone.

        Do any of these cards pay cashback?+

        Several do. Chime's rate depends on the subscription tier and on qualifying direct deposits, so read the tiers before counting on it. Varo cashback comes from merchant offers and varies by merchant, and the Virgin Atlantic card pays through offers in the app. Starling and Crezu ES pay nothing back, with rewards listed as none and none.

        How much do I need to put down for a secured card?+

        Nothing at the Varo level. The perk list for the Varo Believe Secured Credit Card, Reports to all three credit bureaus, Free credit score tracking in the Varo app and No credit check to apply, sets no minimum security deposit and lets the cardholder choose the spending limit. Chime's secured card also carries an annual fee of $0 and works with a poor credit history, which beats any card that wants a deposit first.

        Greenlight

        Ready to try Greenlight?

        Ranked #1 of 10.

        The data behind this ranking

        MetricValueSample
        Median headline rate3 %337
        Lower quartile headline rate1.12 %337

        All data and the CSV

        XTB

        XTB

        #1 in Top credit and debit cards compared

        9.3/10Visit